CGUI vs SCHD
CGUI vs SCHD
Capital Group Ultra Short Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. CGUI offers more diversification with 170 holdings.
Side-by-Side Comparison
| Metric | CGUI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $318M | $103.7B | |
| Dividend Yield | 3.83% | 3.31% | |
| Holdings | 330 | 104 | |
| YTD Return | +2.20% | +24.26% | |
| 1Y Return | +4.02% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 0.5% | 13.6% | |
| Max Drawdown | -0.2% | -33.4% | |
| Fund Family | Capital Group (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 25, 2024 | Oct 20, 2011 |
CGUI vs SCHD Performance
Capital Group Ultra Short Income ETF (CGUI) is a ETF from Capital Group (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CGUI returned +4.02% while SCHD returned +31.38%. Year to date, CGUI is up 2.20% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 0.5% for CGUI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -0.2% for CGUI and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGUI charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, CGUI currently yields 3.83% against 3.31% for SCHD.
Holdings Overlap
CGUI and SCHD share 0 holdings out of 270 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGUI or SCHD?
CGUI has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, CGUI or SCHD?
Over the past year CGUI returned +4.02% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CGUI annualized +4.88% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CGUI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 0.5% for CGUI. Worst drawdown: CGUI -0.2% vs SCHD -33.4%.
Should I hold both CGUI and SCHD?
CGUI and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGUI and SCHD?
CGUI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 270 unique securities.
Which pays a higher dividend, CGUI or SCHD?
CGUI yields 3.83% while SCHD yields 3.31%, so CGUI currently pays the higher dividend yield.
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